BlastPoint's Credit Union Scorecard

EXPEDITION

Charter #62964 · MN

1077 CUs in 100M-500M nationally 31 in MN

EXPEDITION has 4 strengths but faces 10 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 11.2% in tier
+ AMR Growth Rate: Top 4.0% in tier
+ First Mortgage Concentration (%): Top 4.5% in tier
+ Members Per Employee (MPE): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.0% in tier
- Institutional Decline: Bottom 3.2% in tier
- Efficiency Drag: Bottom 4.3% in tier
- Stagnation Risk: Bottom 18.6% in tier
- Credit Quality Pressure: Bottom 23.7% in tier
- Indirect Auto Dependency: Bottom 30.8% in tier
- ROA 0.91% below tier average
- Efficiency ratio 21.70% above tier (higher cost structure)
- Member decline: -14.1% YoY
- Member Growth Rate: Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	14,632 -14.1% YoY-1.3% QoQ	-996	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	56%
Assets	$221.2M -0.8% YoY-1.5% QoQ	$-10.1M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	57%
Loans	$121.8M -5.1% YoY-1.0% QoQ	$-26.0M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	48%
Deposits	$198.5M -0.1% YoY-2.0% QoQ	$-1.8M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -2.6% YoY-50.8% QoQ	-0.9%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	Bottom 5.5% in tier
NIM	2.9% +9.1% YoY+5.9% QoQ	-0.7%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	Bottom 15.0% in tier
Efficiency Ratio	99.0% +3.1% YoY-3.2% QoQ	+21.7%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	Top 2.4% in tier
Delinquency Rate	0.4% +14.7% YoY+74.3% QoQ	-0.4	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	30%
Loan To Share	61.4% -5.0% YoY+1.0% QoQ	-11.3%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	24%
AMR	$21,893 +14.0% YoY-0.3% QoQ	$-2K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	46%
CD Concentration	24.2% -2.9% YoY+5.3% QoQ	-0.3%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.3% -25.1% YoY-8.0% QoQ	+1.3%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#55 of 481 • Top 11.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.01%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#17 of 550 • Bottom 1.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#26 of 256 • Bottom 3.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $221.25M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -14.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.11%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Efficiency Drag

risk

#77 of 521 • Bottom 4.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 98.98%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.00% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -14.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Stagnation Risk

risk

#307 of 550 • Bottom 18.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -5.11%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.42%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#586 of 736 • Bottom 23.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#495 of 525 • Bottom 30.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.78%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.32%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -14.09%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 14.01%

Peer Avg: -

#44 of 1077 Top 4.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 3.49%

Peer Avg: -

#49 of 1077 Top 4.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 487.733

Peer Avg: -

#72 of 1077 Top 6.6% in 100M-500M tier

Top Weaknesses (9 metrics)

1059

Member Growth Rate

growth

Value: -14.09%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1052

Efficiency Ratio

profitability

Value: 98.98%

Peer Avg: -

#1052 of 1077 Bottom 2.4% in 100M-500M tier

1018

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Avg: -

#1018 of 1077 Bottom 5.6% in 100M-500M tier

941

Fee Income Per Member

profitability

Value: $93.83

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

939

Loan Growth Rate

growth

Value: -5.11%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

921

Asset Growth Rate

growth

Value: -0.78%

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

915

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Avg: -

#915 of 1077 Bottom 15.1% in 100M-500M tier

878

Deposit Growth Rate

growth

Value: -0.09%

Peer Avg: -

#878 of 1077 Bottom 18.6% in 100M-500M tier

821

Loan-to-Share Ratio

balance_sheet

Value: 61.38%

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier